Interest rates are about the same, but terms are worse for the commercial loans (usually includes pre-payment penalty, typically either variable rate or balloon loans, amortized over shorter periods possibly).Much more variation in Commercial loans, and dependent on the lender, so hard to make broad generalizations.No knowledge of getting commercial loan as an individual.

- What are your thoughts about the James rd. area just north of I-70 and south of Broad St.?

Welcome to the site @Kevin MarquesI suggest you make sure your 1st investments are on the higher end of the neighborhood spectrum.

All sorts of bad things can be occurring during this period - a seller needing to sell may be wasting time thinking he has a sale when he does not, and may lose valuable time marketing his home more broadly.

You have to do your homework but i believe self directed is the way to go if you want to use an IRA to invest in real estate.That is a VERY broad generalization and has some large inaccuracies.

Most properties around the country with high cash flow are those in the bottom half of the spectrum.

You don't have to give a blow-by-blow account, but maybe a broad overview like first 4 were conforming mortgages, second 2 were sub2 deals, next 3 were bought using a line of credit against the first 4..etc.

Akmauri, it's too broad of an area. 

@Mike R.I struggle with this question a lot in my market as there are very few non market value homes in the city where I want to invest.My only concern for you is that the 50% rule is a broad estimate. $880 is very good cash flow!

Also I'm targeting the lower price end of the spectrum, Total Assessed Value less than $200k.